IFSC Code of Axis Bank, Srianagar Fruit Mandi Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Axis Bank's SRIANAGAR FRUIT MANDI branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code UTIB0002415 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – SRIANAGAR FRUIT MANDI is UTIB0002415. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002415 map to this branch in SRINAGAR, JAMMU AND KASHMIR.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Srianagar Fruit Mandi branch — IFSC UTIB0002415 — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

Srianagar Fruit Mandi branch overview

Located at FIRST FLOOR, KHASRA NO.1135/761/367/74, FRUIT MANDI COMPLEX, PARIMPORA SRINAGAR, DIST.SRINAGAR, JAMMU & KASHMIR, PIN 190017, the Srianagar Fruit Mandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0002415 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's SRIANAGAR FRUIT MANDI branch came to be assigned the code UTIB0002415.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0002415, money simply cannot be routed to the SRIANAGAR FRUIT MANDI branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0002415 and the account number together uniquely identify the Srianagar Fruit Mandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0002415

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0002415 across all three.

How to use IFSC UTIB0002415 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SRIANAGAR FRUIT MANDI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0002415.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SRIANAGAR FRUIT MANDI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SRIANAGAR FRUIT MANDI

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SRIANAGAR FRUIT MANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002415 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SRIANAGAR FRUIT MANDI (IFSC UTIB0002415)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002415 in your mobile or internet banking app, and the money is credited to the SRIANAGAR FRUIT MANDI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0002415 for Axis Bank – SRIANAGAR FRUIT MANDI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Srianagar Fruit Mandi branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's SRIANAGAR FRUIT MANDI branch, the IFSC UTIB0002415 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Srianagar Fruit Mandi branch

Once you have an account at Axis Bank – SRIANAGAR FRUIT MANDI, the IFSC UTIB0002415 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Srianagar Fruit Mandi branch can access most of Axis Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UTIB0002415

Digital banking channels

Most day-to-day work that customers used to do at the Srianagar Fruit Mandi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0002415 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Srianagar Fruit Mandi branch sits at FIRST FLOOR, KHASRA NO.1135/761/367/74, FRUIT MANDI COMPLEX, PARIMPORA SRINAGAR, DIST.SRINAGAR, JAMMU & KASHMIR, PIN 190017. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0002415 and your account number.

Common mistakes to avoid when using IFSC UTIB0002415

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – SRIANAGAR FRUIT MANDI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UTIB0002415.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Srianagar Fruit Mandi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002415, however, work 24x7.

Verifying IFSC UTIB0002415 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0002415 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0002415 belongs to Axis Bank's SRIANAGAR FRUIT MANDI branch, located at FIRST FLOOR, KHASRA NO.1135/761/367/74, FRUIT MANDI COMPLEX, PARIMPORA… in SRINAGAR, JAMMU AND KASHMIR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.